Highly experienced at organizing, analyzing, and maintaining large credit portfolio while strengthening customer relationships and promoting team oriented environment, and with a successful record of negotiating favorable settlements, reducing bad debt write-off, and reconciling long-standing account difficulties. A recognized thought leader in the advancement and development of risk assessment and loan recommendations that promote the growth of the enterprise as a whole. Excellent interpersonal, communication and relationship-building skills.  Listens attentively, communicates persuasively and follows through diligently.  Appreciated by clients and colleagues for the dedication to his clients, his sense of humor, and humility.